So, I know there has been a few similar posts on this forum about insurance for climbers, however I've been told by my broker, it's unfortunately the way it is, we either have to pay a massively inflated premium (at least double) or add an exclusion to your existing policy.

I'm currently insured with Liberty under their "Liberty Lifestyle Protector" for both life and disability cover, and about 18 months ago I disclosed to them I was a rock climber. They sent me a form which I filled out and sent back to them, where they replied and said: "they would pay out my life insurance if I were killed whilst rock climbing, but they would not pay out any disability cover if I were injured whilst climbing".

Whilst I believe our sport to be very safe, provided one plays by the rules, it is on my mind sometimes.

Does anyone have any constructive insight on an insurer/underwriter that will pay out for both life insurance and disability cover for rock climbers, and that will not require inflated premiums or a "window" period (usually a few years) that you will need to wait out before they will insure you. Please also know PPS is not an option for me (should this be a suggestion).

Because it is you Nic I will attempt to compile a concise but technically comprehensive explanation and submit it here. My experience of them is personal and prejudicial yet related to their policies and not to a case basis, but as I said I will try and compile it in a way that attempts to present the facts without a long story. I will do so but it may take some time.

You need to be very specific about exactly what you are wanting to insure. Life insurance in general is one thing. If you are planning to climb in France or elsewhere there are more specific insurance options available esp covering the short term issues.

Boycott DISCOVERY!!!!! They follow racist anti-white investment policies - their investment model excludes whites completely which is unconstitutional. If you are European remove your assets, cancel your cover and tell them exactly why you are withdrawing your patronage. Let these twits know that we will NOT stand for this sort of treatment.

Nice rant. If this is the white response to transformation our society is in big trouble. What percent of the black population is exposed to the jse? What percent of the black population has private medical cover?

Boycott DISCOVERY!!!!! They follow racist anti-white investment policies - their investment model excludes whites completely which is unconstitutional. If you are European remove your assets, cancel your cover and tell them exactly why you are withdrawing your patronage. Let these twits know that we will NOT stand for this sort of treatment.

Why do you use "we" in your last statement? The context of your message suggests that the South African climbing community is white only. Sadly there are few non-white people in the climbing community and if someone reads this post that person is certainly not going to feel like climbers are nice and open people. I appreciate your outspoken manner in which you are making yourself heard. There is nothing worse than subtle, underlying and non-tangible racism. I blame people like you for the reason that the sport is totally white dominated. There simply too many racist old-schoolers in the climbing community. Like Jasoneye count me as "part of the problem".